| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | -0.2% | +5.1% | -5.3 pts |
| Loan growth (YoY) | +0.5% | +5.9% | -5.4 pts |
| ROA | 1.98% | 1.26% | +0.7 pts |
| ROE | 17.2% | 12.2% | +5.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.57B | $8.29B | $7.88B | $1.11B | $93.6M | 1.98% | 3.93% | 0.38% |
| Q1 2026 | $9.28B | $7.93B | $7.80B | $1.10B | $46.7M | 1.98% | 3.90% | 0.39% |
| Q4 2025 | $9.58B | $8.33B | $7.79B | $1.06B | $179.2M | 1.88% | 3.97% | 0.42% |
| Q3 2025 | $9.40B | $8.16B | $7.70B | $1.07B | $128.0M | 1.79% | 3.95% | 0.49% |
| Q2 2025 | $9.56B | $8.30B | $7.84B | $1.07B | $84.8M | 1.78% | 3.92% | 0.69% |
| Q1 2025 | $9.64B | $8.36B | $7.68B | $1.08B | $46.5M | 1.95% | 3.86% | 0.45% |
| Q4 2024 | $9.44B | $8.16B | $7.80B | $1.08B | $186.2M | 1.95% | 3.91% | 0.61% |
| Q3 2024 | $9.58B | $8.33B | $8.02B | $1.06B | $133.4M | 1.86% | 3.88% | 0.65% |
Loan mix (Q2 2026): real estate $3.72B · commercial $2.98B · consumer $587.6M · securities $565.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.98% | 1.26% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 17.2% | 12.2% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 59.0% | 13th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.